Cheaper 1995 Chevrolet Cavalier Insurance Cost

If you’re trying to find lower-cost insurance online, are you baffled by the sheer number of car insurance companies that you can choose from? Many other drivers are too. You have such a vast assortment of companies available that it can easily turn into a challenge to find the perfect company for you.

It is always a good idea to take a look at other company’s rates periodically because car insurance prices change frequently. If you had the best rate on Cavalier coverage six months ago there may be better deals available now. Block out anything you think you know about car insurance because you’re going to learn how to use online quotes to lower your annual insurance bill.

Shopping for affordable protection is easy if you know what you’re doing. Essentially every vehicle owner who is required by state law to have auto insurance should be able to cut their insurance bill. Although consumers must understand the methods companies use to price online insurance and apply this information to your search.

These discounts can lower your insurance quotes

Companies that sell car insurance do not advertise every discount very clearly, so below is a list some of the best known and the more hidden discounts that may be available. If you are not receiving all the discounts you qualify for, you could be getting lower rates.

• Full Payment Discount – By making one initial payment instead of paying each month you can avoid monthly service charges.
• Government Employees – Simply working for the federal government may reduce rates when you quote auto insurance on Cavalier coverage depending on your company.
• Military Deployment Discount – Being on active duty in the military could mean lower rates.
• Claim Free – Claim-free drivers have much lower rates in comparison with drivers who are more careless.
• Distant Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not take a car to college can receive lower rates.
• Driver Safety – Passing a defensive driving course could possibly earn you a 5% discount if your company offers it.

You can save money using discounts, but some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

A few popular companies and a summarized list of policyholder discounts include:

• State Farm discounts include multiple autos, safe vehicle, multiple policy, anti-theft, good student, defensive driving training, and driver’s education.
• Farmers Insurance may include discounts for alternative fuel, bundle discounts, pay in full, teen driver, good student, youthful driver, and distant student.
• Progressive offers discounts for online quote discount, multi-policy, continuous coverage, multi-vehicle, good student, and homeowner.
• Geico policyholders can earn discounts including driver training, daytime running lights, anti-lock brakes, multi-vehicle, and emergency military deployment.
• Auto-Owners Insurance has savings for student away at school, group or association, multiple vehicles, company car, and multi-policy.
• The Hartford has discounts for air bag, defensive driver, vehicle fuel type, good student, anti-theft, and driver training.
• Farm Bureau may have discounts that include driver training, youthful driver, multi-policy, 55 and retired, multi-vehicle, and renewal discount.
• USAA includes discounts for loyalty savings, good student, military installation, family discount, annual mileage, driver training, and defensive driver.

If you want the cheapest auto insurance quotes, ask all the companies the best way to save money. Some of the earlier mentioned discounts might not be offered in your area.

Different people need different auto insurance coverages

When buying coverage, there really is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from an agent’s advice.

• What if I total my 1995 Chevy Cavalier and owe more than it’s worth?
• When would I need rental car insurance?
• Is my vehicle covered by my employer’s policy when using it for work?
• Will my insurance pay for OEM parts?
• Am I covered when pulling a rental trailer?
• Am I covered when driving a rental car?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Buyer beware of insurance coverage advertising tricks

Insurance coverage companies such as Geico, State Farm and Progressive constantly bombard you with television, radio, and online ads. They all seem to make the promise about how much you will save just by moving your policy. It sounds good, but how can they all give you a lower rate?

Different companies give the best rates for the type of insured that will most likely be profitable. For instance, a desirable risk should be between the ages of 40 and 55, has had continuous coverage, and drives a vehicle with a low ISO rating. Any person who fits those characteristics receives the best prices and is almost guaranteed to cut their rates if they switch.

People who are not a match for the ideal profile may be required to pay more expensive rates and this can result in the driver buying from a lower-cost company. If you listen closely, the ads state “customers that switch” but not “all drivers who get quotes” save that kind of money. This is how insurance companies can lure you into getting a quote.

This really emphasizes why drivers must quote coverage with many companies. Because you cannot predict the company that will fit you best based on your risk profile.

Auto insurance coverage information

Having a good grasp of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Collision – This pays for damage to your Cavalier resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with a tree, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for bills like nursing services, hospital visits, surgery, EMT expenses and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like falling objects, theft, fire damage, a broken windshield and vandalism. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Cavalier.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability car insurance – Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like repair bills for other people’s vehicles, funeral expenses, medical services and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Save your cold hard cash

We’ve covered some good ideas how to reduce 1995 Chevy Cavalier insurance premium rates online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the biggest savings come from a small local company.

There are still a few companies who don’t offer rates over the internet and usually these smaller companies prefer to sell through independent agents. Affordable 1995 Chevy Cavalier insurance can be found both online and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates.

People who switch companies do it for a variety of reasons including lack of trust in their agent, policy non-renewal, poor customer service and even questionable increases in premium. Regardless of your reason, switching insurance coverage companies is less work than it seems.

Additional information is available at the links below

• Tread Depth and Tire Safety (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)
• Liability Insurance Coverage (Nationwide)
• Understanding Car Crashes Video (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)